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I have insurance through Am trust. They cover property preservation work which is fine. However occasionally on big jobs, I need to rent dirt moving equipment. Ie skid steer, excavators. If you have ever rent equipment you know rental companies also require a certificate of insurance. Well Amtrust says they do not cover rental equipment and will not issue a COI. This makes absolutely no since they want to be P& P business but will not cover what you need to do property preservation work.

My local farm bureau would give me business insurance for all the things I need but most nationals will not accept Farm Bureau.

I also started doing commercial work for Dollar General ie grass cuts and snow removals. Most of the insurance the nationals require you to do business with does not cover working at Dollar General stores. I have never seen such a mess with something as simple as business insurance. Makes me want to scream.
 

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I have insurance through Am trust. They cover property preservation work which is fine. However occasionally on big jobs, I need to rent dirt moving equipment. Ie skid steer, excavators. If you have ever rent equipment you know rental companies also require a certificate of insurance. Well Amtrust says they do not cover rental equipment and will not issue a COI. This makes absolutely no since they want to be P& P business but will not cover what you need to do property preservation work.

My local farm bureau would give me business insurance for all the things I need but most nationals will not accept Farm Bureau.

I also started doing commercial work for Dollar General ie grass cuts and snow removals. Most of the insurance the nationals require you to do business with does not cover working at Dollar General stores. I have never seen such a mess with something as simple as business insurance. Makes me want to scream.
Hey man, im not sure if my insurance company can provide what you need, but so far everything about NEXT insurance has been pretty great. instant COI's, QR codes to view your certs etc. IDK if they cover everything your looking for but my experience with them has been great, check them out.
 

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That makes perfect sense. It's not within the parameters of your policy, plain and simple. It's like a dentist going to do open heart surgery and the dentist asks his insurance company to put the patient as an additionally insured and they say excuse me, your a dentist so no can do .....
 

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I have insurance through Am trust. They cover property preservation work which is fine. However occasionally on big jobs, I need to rent dirt moving equipment. Ie skid steer, excavators. If you have ever rent equipment you know rental companies also require a certificate of insurance. Well Amtrust says they do not cover rental equipment and will not issue a COI. This makes absolutely no since they want to be P& P business but will not cover what you need to do property preservation work.

My local farm bureau would give me business insurance for all the things I need but most nationals will not accept Farm Bureau.

I also started doing commercial work for Dollar General ie grass cuts and snow removals. Most of the insurance the nationals require you to do business with does not cover working at Dollar General stores. I have never seen such a mess with something as simple as business insurance. Makes me want to scream.
But wait...you're an Independent Contractor.....
 
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